US/UK Cross-Border Financial Planning
Planning for US residents with financial ties to the UK
Having assets, income, or plans that span the US and UK adds complexity to financial decisions. Two tax systems, two sets of reporting rules, two retirement frameworks, and two currencies can interact in ways that aren’t always obvious. BlueAris helps US-based clients understand how these pieces fit together and works alongside their tax and legal professionals in both countries.
Cross-border planning is available as a standalone engagement or alongside our equity compensation services.
Who this may be relevant for
- UK nationals living and working in the US
- US residents planning a future move to the UK
- Individuals who have returned to the US after living or working in the UK
- Tech professionals who earned equity compensation while working in both countries
- US residents with UK pensions, property, investments, or family financial ties
Topics we may address
- Pre-move planning: reviewing financial considerations before a relocation, while you are still a US resident
- Equity compensation across borders: how RSUs, stock options, and ESPP shares earned across both countries may be treated, and what records to keep
- Retirement accounts: considerations for US plans (401(k), IRA) alongside UK pensions you may hold
- Investment structure: awareness of issues that can affect US investors holding non-US funds or accounts
- Reporting obligations: general awareness of US foreign account reporting requirements and the importance of timely filing through your tax preparer
- Currency considerations: managing exposure when income, assets, and expenses are in different currencies
- Coordination: working with your CPA, UK accountant, and attorneys or solicitors so decisions are consistent across jurisdictions
How we work
- Discovery: understand your situation, residency history, assets, and goals
- Review: identify cross-border issues relevant to your circumstances
- Planning: develop recommendations within the scope of our advisory services
- Coordination: share relevant information with your tax and legal professionals, with your permission
- Ongoing review: revisit the plan as circumstances or rules change
Rules in both countries change regularly. Planning is based on information available at the time and may need to be updated. If you relocate outside the US, the services we can provide may change.
Getting started
Every engagement begins with an introductory conversation to determine whether our services fit your needs. You can read more about how we charge for advice.
Schedule for an introductory call via email info@bluearis.com.
Important disclosures
BlueAris is the assumed name of Blue Aris Systems, LLC, an investment adviser registered with the Texas State Securities Board. Registration does not imply a certain level of skill or training. The firm may transact business only in states where it is registered or excluded or exempt from registration requirements.
Our advisory services are offered to clients residing in the United States. This website is not directed at, and its content is not intended for, persons located in the United Kingdom. Blue Aris Systems, LLC is not authorised or regulated by the UK Financial Conduct Authority.
BlueAris does not prepare tax returns and does not provide legal advice. Tax and legal matters should be reviewed with qualified professionals in each relevant jurisdiction.
The information on this page is general and educational. It is not a recommendation or advice for any individual. Planning outcomes depend on individual circumstances, and no strategy can assure a particular tax or financial result. BlueAris is not affiliated with the IRS or HM Revenue & Customs. For more information, see our Form ADV Part 2A.